What are my options?

I am on L1 visa while my wife is on L2 working for a different employer. We both were covered through my insurance through my employer. We are living in Ohio.

We went on a vacation during the open Enrollment was open in my company. I missed reading through the details that it was actually Active Enrollment this time and thought my previous year selection would continue . But I just realized to our horror that we both are out of coverage now.

We are expecting our baby in just couple of weeks. Losing coverage at this point of time is stressing me out. I feel horrible for putting my family through this.

I looked at marketplace but the coverage would only start from Feb 1st while we are expecting the baby around 20th Jan. I reached out my HR, they said it can now only change after baby’s birth.

What are my options? Can involuntarily loosing coverage due to I missing the details of Open Enrollment being Active, can be considered QLE for either me or my spouse?

submitted by /u/yigep
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